Top of main content
A woman is using Automated Teller Machine; image used for Cash Advance Page.

Credit Card Cash Advance

Enjoy instant cash relief with HSBC card

Get cash from any ATMs and at counters with HSBC credit card, and meet your instant financial needs with interest free period, anytime, anywhere.


  • Financial Flexibility - Up to 56 days interest-free repayment period

  • No application required - Cash is ready immediately with your card

  • Easy Access - Withdraw and get cash from any ATMs worldwide, 24 hours a day

Forget Your ATM PIN?

If you can’t recall your credit card PIN, you may apply for re-issuance via below methods:


  1. Credit Card Cardholder Agreement and related Terms and Conditions apply.
  2. Cash Advance Fee of 2% plus Handling Fee of 3% on the amount of the advance is charged for every cash advance transaction and is subject to a minimum charge. (The minimum charge for cash advance from ATMs with any HKD credit card is HKD55.)
  3. If Cardholders fail to make full payment of the statement balance on or before the payment due date of the statement, finance charge will be charged starting the next day from the closing date of such statement until the balance is fully paid. Annualised Percentage Rate (APR) on Cash Advance (inclusive of the handling and cash advance fees) is 37.75%.
  4. Please refer to the “Bank tariff guide for HSBC Wealth and Personal Banking Customers” for details of the cash advance fees and calculation of finance charge. The Bank reserves the right to amend the finance charge and other fees and charges.

To borrow or not to borrow? Borrow only if you can repay!